Do I need to know spreadsheet formulas?

No. Blue cells are the ones you edit; black cells calculate automatically. Sample data is included so you can see it working before you replace it with your own numbers.

Paycheck Pilot

Monthly budgets fail because money doesn't arrive monthly — it arrives per paycheck. Plan every dollar the day each check lands.

Excel + Google Sheets · No macros · 8 linked sheets · One-time purchase

Get Paycheck Pilot — $19

Code PILOT50 takes 50% off for the first 50 buyers · 30-day money-back guarantee

How it works

A paycheck lands

Enter the amount and date in the Paycheck Planner — one row per check, whether you're paid weekly, biweekly, or irregularly.

Give every dollar a job

Assign the check across bills, savings, debt, and spending until Left to Assign hits $0. Zero-based budgeting, but on payday.

Log as you spend

One-line entries in the Expense Log flow automatically into your monthly budget and dashboard. No double entry.

What's inside — 8 linked sheets

Paycheck Planner — assign each check to jobs before you spend it
Monthly Budget — 15 editable categories; "Spent" fills itself from your log
Expense Log — quick one-line entries with category dropdowns
Debt Payoff — snowball or avalanche, months-to-payoff calculated per debt
Savings Goals — % funded and months remaining, automatically
Dashboard — income, spent, left-to-spend, debt, and savings at a glance
Settings + Start Here — set up in about 5 minutes; categories fully customizable

Paycheck Pilot — budget-by-paycheck spreadsheet for Excel and Google Sheets

Frequently asked questions

Does it work in Google Sheets?

Yes. Plain formulas, no macros — it imports cleanly into Google Sheets and works in Excel.

Is it a subscription?

No. $19 once, yours for life.

Do I need to know formulas?

No. Blue cells are yours to edit; black cells calculate themselves. Sample data included so you see it working first.

What if it doesn't work for me?

30-day money-back guarantee, no questions asked.

Plan every dollar, one paycheck at a time

Download it, open it in Excel or Google Sheets, and budget your very next check.

Get Paycheck Pilot — $19

Code PILOT50 = 50% off for the first 50 buyers